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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.16 (1265 reviews)

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4.16

Based on 1,265 reviews, last reviewed 26th Jan 2026

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 2026

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Santander 123 Current Account (discontinued) reviews (1265)

Review of the Santander, 123 Current Account (discontinued):

I love love love online mobile banking

I love love love online mobile banking Reviewed on: 9th June 2024

Shambolic

Been with Santander for 13 years my card has been lost or stolen,hard to know after 3/4 days of trying to get through to Robots...I did eventually get through to their ' fraud' dept...I thought they would be assertive,willing to help &;above all friendly!! She was none of these I mean it was 9 o'clock in the morning bless her,probably had a row with her other half or a night on the lash! Either way her response in a broad liverpool accent was ' calm down'...Harry Enfield springs to mind! Reviewed on: 27th August 2023

Donttravel

Stranded in another country with no money. Account blocked due to incompetence and lack of intelligence Reviewed on: 24th August 2023

Excellent service with the personal touch

Had account now for a number of years and found access easy and the service offered second to none Reviewed on: 24th August 2023

Good interest

Have benefited from decent interest rates Reviewed on: 17th August 2023

Best bank ever

ALWAYS helpful,pay good interest. Money earned on standing orders Reviewed on: 17th August 2023

Long term satisfied customer

I have been with Santander since my own bank was taken over by them many years ago. I have always found them to be reliable and the 123 account is excellent value for money. I like the fact that I receive money back on my main bills and interest on my balance. Their customer service teams are also always excellent. My only complaint would be the lack of high street offices near me, meaning I Always have to contact them either by phone or webchat if I have a query, but as this isn't a regular occurence I can cope with it. Reviewed on: 11th August 2023

Available overdraft

I have an available overdraft which is extremely useful at times of need Reviewed on: 9th August 2023

santander

I have used Santander for many years and found them honest and trustworthy. Any problems I have had are sorted out quickly and never had a problem with them. I highly recommend them and their 123 account gives good percentages when paying dd through their banks Reviewed on: 31st July 2023

Very good bank

Always there to help you comes highly recommended Reviewed on: 30th July 2023

Profiteering by withholding my money

I have been a loyal customer at Santander UK for around 20 years. I felt betrayed by them from the following event. On 3 July I received a large sum of money from my pension fund into my current account with Santander UK. I called them to transfer some to my saving account with another bank I had opened and deposited from Santander already. They carried out a number of checks with me to prevent fraud, and also asked me to call the bank to make sure the account is genuine and protected by FSCS, which I did. However, I was told that they would withhold my fund for up to 72 hours for further review (did not specify what exactly). I was under the impression that only the amount of money I intend to transfer out was withheld, so I moved more money into this account the next day in order to transfer out to my other saving accounts by myself. To my dismay, I could not move out any money at all from this account (very conveniently, I could pay in). Nobody told me this! As a resuly, I had more fund stuck in this account. I called them the next day and was told again the fund would be released and I would be able to transfer money out within the next two days. After 72 hours (on 6 July), I called them again because the fund was still in my current account without earning any interest. I was told that the "up to 72 hours" promise was a mistake and the truth was that there was no timescale for the fund release because my case was in a queue for the back office to process (for further checks) and there was absolutely nothing they could do to make this process faster. They would not let me know what they had done for the last 72 hours and what checks would be needed that had not been done with me already. I felt hopeless, betrayed and distressed because of the uncertainty. I was told the back office would contact me if needed. Nobody from Santander did call me. I was on holiday abroad from 30 June and came back home on Sunday 9 July. Having not received any call from Santander and having a large sum of money stuck in the current account, I called them on Monday 10 July. I was told at first the same old story about the queue and no timescale. I told them that I felt they were making excessive and unfair profit by deliberately withholding my money at the expense of my interest and that I would contact the press with my story and make a complaint to Financial Ombudsman Service. All out of a sudden, the queue at the back office disappeared and the reviews were no longer needed, they transferred my money out and I could move out money myself although the pay-in window for some of my accounts was closed. I asked them why my account was suddenly unblocked but did not get a straight answer. I strongly believe that there was no queue and no reviews were conducted for the seven days, and Santander was profiteering by withholding my money. If I had not made the call to push them, the fund would be stuck in my current account with Santander for a long time. Reviewed on: 28th July 2023

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